Fund SMEs or Get Funded — On your terms
Borrow and repay in manageable installments or deploy your funding pool to verified SMEs. Industry targeting, transparent terms, fast decisions.
How Pamoney Works
Simple processes for both borrowers and lenders in our Funder-to-SME platform
For Borrowers
Apply
Submit your loan application with business details
Match
Get matched with lenders in your industry
Receive Funds
Access approved funding quickly
Repay
Make scheduled installment payments
For Lenders
Deposit
Add funds to your lending pool
Choose Industries
Select sectors you want to fund
Fund Loans
Review and back verified applications
Earn Returns
Receive regular interest payments
Why Choose Pamoney
The SME lending platform built for real business needs
Industry Targeting
Lenders can focus on specific sectors they understand, reducing risk through expertise.
Transparent Terms
No hidden fees. Clear installment schedules and interest rates upfront.
Fast Decisions
Automated matching and quick approvals. Most applications processed within 48 hours.
SME Community
Built by SMEs, for SMEs. We understand your challenges and cash flow needs.
Flexible Pools
Lenders can contribute any amount and diversify across multiple borrowers.
Build Credit History
Consistently borrow and repay via our platform to build a positive credit history and unlock better funding Terms
Trusted by SMEs
"Got funded in 3 days. The lenders understood our tech sector needs perfectly."
"As a lender, I love targeting agricultural businesses. Great returns and impact."
"Transparent terms, fair rates. Finally, lending that makes sense for SMEs."
Simple, Transparent Pricing
No hidden fees. Clear costs for borrowers and lenders.
For Borrowers
Competitive rates for business growth
Example
KES 500K loan at 4% monthly interest over 6 months = KES 105,820 monthly installments
For Lenders
Earn returns on SME growth
Target Returns
8-15% annual returns depending on risk profile and industry selection
*Withholding Tax (WHT): Borrowers can opt to pay 15% of interest via KRA certificates instead of cash. Withdrawal fees: M-pesa charges apply for mobile and bank transfers.
Frequently Asked Questions
Everything you need to know about pamoney
Borrowers need a registered business operating for 6+ months with revenue proof. Lenders need KYC verification and minimum KES 50K investment.
Currently supporting: Manufacturing, Retail, Technology, Agriculture, Healthcare, and Professional Services. More sectors added regularly.
Bank-grade 256-bit encryption, PCI DSS compliance, and strict KYC/AML procedures. Your data is never shared without consent.
We have collections procedures and insurance partnerships. Lenders share pro-rata losses, but our 98% on-time payment rate minimizes risk.
Available funds can be withdrawn the same day. Funds committed to active loans remain locked until repayment.
Digital KYC verification typically completes within 24-48 hours. You'll receive email updates on verification status.
Monday-Friday 8AM-6PM EAT. WhatsApp, phone, and email support available. Emergency support 24/7.
No hidden fees. All costs are transparent:
- Borrowers: 5% origination fee + interest (optional 15% WHT on interest reduces cash payment)
- Lenders: 1% platform fee on amount funded + M-pesa withdrawal fees when cashing out
- Withdrawal fees: Standard M-pesa charges apply for mobile and bank transfers.